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glocke
Junior
Username: glocke

Post Number: 11
Registered: 9-2002
Posted on Wednesday, January 14, 2004 - 6:46 am:   Edit Post

I would like to get my series I bass and some other instruments insured against damage and theft on gigs. Does anyone have any suggestions on how to do this? I am currently looking at having them added as a rider to my homeowners policy.
davehouck
Advanced Member
Username: davehouck

Post Number: 317
Registered: 5-2002
Posted on Wednesday, January 14, 2004 - 7:30 am:   Edit Post

As I understand it, if you get paid to play, your homeowner's policy will not cover your instruments. I have my bass rig insured under a commercial policy. I set my policy up using stated values for each item, which suits my situation and is very reasonably priced. The values I chose are what I believe I can expect to pay for an equivalent used item. Everything I take out of the house is on that policy. I can add or deduct items or change values just by faxing my agent.

There have been some previous discussions on this topic you may want to read through; here are a couple:
http://alembic.com/club/messages/394/4384.html
http://alembic.com/club/messages/393/5762.html
bob
Intermediate Member
Username: bob

Post Number: 119
Registered: 11-2002
Posted on Wednesday, January 14, 2004 - 12:06 pm:   Edit Post

I do not get paid to play, and there seem to be some great suggestions in the threads Dave mentions above. However, I wouldn't just give up on your homeowners' policy without making a phone call - there are a lot of variations. I called mine just to make sure there wasn't a limit on personal coverage, and they were willing to talk about professional coverage. My guess is it might have turned out to be more expensive than others, but it's worth a phone call.
davehouck
Advanced Member
Username: davehouck

Post Number: 320
Registered: 5-2002
Posted on Wednesday, January 14, 2004 - 2:45 pm:   Edit Post

I agree, it's worth the phone call. The agent who has my homehowner's insurance also wrote the commercial policy. I made sure he knew exactly what I was doing; I asked him lots of "what ifs".

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